The MLM Intelligence Report

The MLM Intelligence Report has been created for the express purpose of clarifying the essential and time proven principles you need. They are taught here with examples, simplicity, in clarity and with conviction. It is so easy for the innocent to be deceived by not only the well-intentioned people, but certainly by the crafty. How do well-intentioned people deceive you? Many well intentioned MLM owners think they can make a network-marketing company work, but just don't have the skills or the resources. Over 90% of these companies fail. This leaves the average entrepreneur frustrated and discouraged as all his investment capital, time and hard work, all go down the drain.

PRIMARY GREATNESS is simply putting the needs of others before your own. Not enough people live lives of primary greatness today. Now, when looking for the right network marketing opportunity, the first thing you should look at is:

1. Who are the owners?
2. What is their track record?
3. Why did they establish their company?
4. What is the mission of the company?

The background of the owners, whether or not they have proven over time that they can manage, and their motives for establishing the company are of paramount importance to you. Has the President and CEO managed a business before, or is this his or her first venture? Have they been a CEO or President before, if not, then I'd be careful. In fact, I'd hold off and watch the firm for a while. There are exceptions to every rule. The one exception might be if they had a consistent track record of success, growing divisions or firms that they previously managed for, this would be a positive sign that they have good management ability. In this area, I'd dig as deep as you can. There is a big difference between someone that manages several hundred thousand dollars vs. several million. There is another between millions and hundreds of millions. If you can find a President or CEO that has actually managed billions of dollars, you've hit the big leagues. This is experience and management ability that you only find among the cream of the cream - the best of the best. I've never personally known of the President or CEO of a firm that has handled billions of dollars, but if  I ever did, I'd sure give that firm a long hard look.. The challenge of managing a successful network marketing firm is that it grows, and if it excites people managing and planning for that growth, then it is a tremendous challenge. If successful, you'll go from a payroll of a few, to dozens, hundreds, or even thousands. Find out if the President or CEO has ever been involved in this kind of growth. It's one thing to manage a few dozen people. It's quite another to manage hundreds, much less thousands. If  I ever found a President that had managed a payroll of thousands in network marketing, I'd have to give that company some very serious consideration, if they met the other basic requirements.

People must practice what they preach. We need to look for a company that has more to it's mission than just providing good products and value. Check into the company's mission statement, and what they actually do to fulfill it.

The next thing you want to look at is the product line, and the services offered, or both. Are the products and services as good as or better than what you can buy in local stores? Product value is the first and most important thing you want to look at. Here's the acid test: Is this product so exciting or of such good value that you would buy it even if there were not an income opportunity attached, especially if you're doing this for the income! If you're excited to buy a product based on its own merits, that's a good sign! If you're not super excited, but interested, always remember the importance of market pricing. If we feel we can honestly save a few pennies, we're most likely to want to buy.

Another thing to take a very close look at in the way of products is - does the company offer any truly unique and exclusive products? In the way of nutritional supplements special ingredients that can do dynamic things for the body are very rare. Obviously, the more rare they are and the more dynamic and proven they are, the greater their potential value to you as a marketer. It is very difficult to get exclusives on these types of nutritional supplements. If you find a firm that has such an exclusive, it can be a boon to your business. The exclusive will be even more dynamic if there is credible clinical evidence to back it up. All too often, clinical studies are lacking in network marketing circles and the laymen is left with nothing more than hype. I have seen hundreds of products "hyped" over the years, but these companies are no longer found! Our society has become more sophisticated today. They want more facts. They want medical and clinical credibility. Make sure the company you pick offers these things. Look for example, to see if the company offers as sales aids, books by doctors and other professionals, that back up their product claims and if such books are nationally published and nationally respected.

The third thing you want to look at is how broad is the product line, and the fourth thing is how unique or exclusive the products are. If the product line is small, but unique, be aware that your risk is much higher. Why? If, for example, it's a skin care line with a dynamic enzyme delivery system that really does take away all wrinkles in 7 days, clinically tested for years with no known side effects, I'd say you may be on to something. Let's just suppose that was all the company had, and you built your business up very rapidly to $50,0000 per month. That's just what such a product could do. Next, what do you suppose would happen if another company opened its doors and had a product that did exactly what yours did, but it would work in just three days, cost one half as much and have even more clinical research behind it.

Here's the bottom line: The broader the product line is, the safer your business is, provided the products are market priced. I'd look for a company that not only had a series of food items, but also a complete line of cosmetics and personal hygiene products. This means things like toothpaste, mouthwash, various types of skin, facial, and hair care products. I'd also look for everyday cleaning products - dish washing and laundry detergents, all purpose cleaners, etc. These need to give better value than those in stores, be considerably better cleaners, or have some other value than those in stores, or have some other kind of interesting technological breakthrough. If they're environmentally friendly, then I'd be even more impressed. What you're really looking for, is a company with a product line large enough that you can truly "transfer buy."

Be very careful if the company only has two or three products, or even less than ten. These are definitely high risk. What happens for example, if you base everything on one great product, and the FDA bans it? I'd only remotely consider these types of companies if they had strong clinical research to back them up. But please, for your sake, be very careful with any company that has less than ten products. This is usually a sign that the ownership of the firm is undercapitalized, or that they can't understand how important transfer buying is in network marketing and how limited the market is for their program with ten or less products in the line. In either case, if they're undercapitalized or lacking in knowledge of this industry, you don't want to get involved.

CV, BV, and PV type systems will allow your company to carry the widest possible line of products and services, at the best prices. Remember, most network marketing companies pay out 30 - 50%. Let's just take the 50% for illustration purposes. Let's say you'd like to sell cars in your MLM company, and a mid-range car costs your company and the dealer both $20,000. The dealer offers the car for $22,000 to your friend. You tell your friend you can get him the same car for $30,000. He says, you know, Joe, you're a great golfing buddy, but I can't afford to give you $8,000 more for the same car! However, because your company pays commissions on the wholesale price, not CV, it has to mark up the car at least 50% from its $20,000 cost to $30,000 in order to be able to pay you a commission. Your friend Steve, who's in another MLM company that has a CV system ends up making the sale to Joe for $22,000. Steve's company assigned a CV of $10,000 to the car, and Steve pocketed a couple hundred bucks for his efforts, and his company made a little too. Everyone's happy but you!

I hope this is enough to open your eyes a little. I believe that the largest network marketing company will have a CV, BV, or PV type system. In fact, the largest network marketing company today does in fact, have just that. Understand that if your company pays on full wholesale, better values can be made available, and eventually that makes you more vulnerable. Affordability will always be an issue as long as there are various income levels from the poor to the wealthy.

The greater the number of products you have and the more affordable they are, the more members there are that will be available to join your organization. CV systems make you more affordable, and less vulnerable to changing economic conditions. Look for them. The more astute network marketing firms will have them.

Again, products are one of the four key areas. To summarize:

1. Make sure the products give good value, and are "market priced". "What is a "market priced" product? It is one that is superior to what is found in your local retail stores and costs no more than 1.5 to 2 times what the retail store changes. If, for example a 15 ounce bottle of VO5 shampoo sells for $1.49, your shampoo, if it hits that market, should sell for no more than $3.00. If it's around $15, I guarantee you, once the income opportunity stops, no one will buy your shampoo based on product value!

2. Make sure they are unique and exclusive.

3. Make sure the product line is broad enough. Stay away from companies that have less than ten products in the line, unless they are truly unique and life changing.

4. Look for a CV, BV, or PV based product compensation system. This is essential for price competitiveness, price stability, and to ascertain being able to have the broadest possible product line.

5. Assess the real cost of getting the product to the buyer, including freight and handling charges. The actual delivered cost becomes part of the product cost and actual value. Stay away from hidden or high delivery costs. The closer it is to being free, with good or great pricing, the more attractive it is.

Which MLM Plan Is Best?

Statistics published by MarketWave, despite ever-increasing criticism of break-away programs, show that 86% of all MLM companies over seven years old are break-aways. However, an increasing number of companies now open their doors as Unilevels, Matrixes, or Binary's. There are also a few hybrids. Currently, MarketWave says 62% of all MLM's are break-aways, 18% Unilevel, 12% Matrix and 6% Binary. Actually, this means about 36% of all plans are Unilevel in nature, since a Matrix is nothing more than a "forced Unilevel", and a binary is really a hybrid of the two. Matrix plans were the rage of the industry in the mid to late '80's, but have dropped in recent years in part due to the increase in popularity of Binary plans, which are actually a form of Matrix plan. Now, which type is best for you? I will explain them to you  and I'll let you decide! Just be aware of the following facts. By far and away, most of the super-large incomes are earned in "stair-step" break-aways, because they can bring in great numbers of people, and get paid on various levels of group volume. This group volume literally can go an infinite number of levels deep. Because it does, and because it is group, not just individual volume, paychecks can and have grown faster in these types of programs versus any other. What's wrong with this? NOTHING!

Breakaways

Also, be prepared to exercise patience if you're not a sales type. Let's say, for example, that you have to do $2,000 in group volume to "break-away" from your original sponsor and become a Supervisor, instead of just a Distributor. This means you've usually done some kind of "stair-step" from say $250 to $500 to $1,000 to $1,500 up to the $20,000 Supervisor level and at each step in the "break-away", you achieve a higher percentage of pay. At $250 you might earn 10% on everyone that is starting out, and at the next "step" or $500, you'd get 20% on everyone starting out and 10% on the distributors at $250. You might get 30% at $1,000, 40% at $1,500, and finally 50% at the $2,000 level. There are some real merits to this type of system, because the harder you work, the more you get paid, and that's certainly a fair system from one perspective. However, if it has a drawback, it's that you earn nothing on the purchase of other people you sponsor if you're at the same level or on the same "stair".

Example: You buy $50, and actually do sponsor two people, Paul and Sue that also buy $50. You'd get nothing on either of them! Your total group volume would be $150, your $50 and the $100 from the two people you sponsored that did $50 and the $100 each. You made nothing on the two people you sponsored because you haven't climbed up to the first step yet, where you earn 10% at the $250 level. Since the average person sponsors around two people, you can see why a lot of people that wanted to earn money soon get discouraged with this type of system and drop out. Some of the harder workers also get discouraged and drop out because they can lose business when people break-away.

Each time someone reaches the $2,000 level, he or she breaks-away from your group. Let's say you have to do $1,000 a month in volume to stay qualified for bonuses on anyone that breaks-away from your group. Let's suppose that Sue, who you sponsored, is a fantastic builder. Her second month she does $2,000 after she bought her $50 the first month. She pushes you to the top since you're part of her group, so now you get 5% on everyone you bring in! Great! Well, the next month Paul doesn't buy, you try but sponsor no one, and Sue has now sponsored ten more people. Wow, at least you're going to make some real money off Sue, right? WRONG!

Since Sue has broken away from your group, you now earn nothing on her unless the rest of your group does $1000 in volume. Paul did nothing, and that's all you have. You could buy $1,000 and make it (and some companies won't even let you do this) but that's a lot to buy so you only get paid on Sue's group. If you can't afford that and can't sponsor enough to do $1,000 group volume, you'll never get paid on Sue again!.

This is why most non-sales types have had a bad experience and failed.

Unilevels

Unilevels were developed to solve the problem of break-aways. Unilevels were made to plug up the holes where you don't get paid in break-aways. Unilevels do this in distinct and unique ways. Let's take a look at a few of them, and see why unilevels came about.

First, most unilevels are set up so they pay you on each person you sponsor. Second, unilevels eliminate group volume requirements and have reasonable personal purchase requirements so you don't lose money through not generating enough group volume. Third, unilevels don't allow your leaders to ever break away from your group and leave you in a position where you don't earn money on personally sponsored people. In a true Unilevel, if you sponsor Paul and Sue, they can never break away from you. You would always earn a certain percentage on everything they buy, as long as you buy. You have no such guarantee in a standard break-away.

Does this mean unilevels are better than break-aways?

It really depends on you. If you don't consider yourself a super salesman or great marketer, you probably stand a better chance for success in a Unilevel ,all other things being equal. Unilevels, however still have one of the problems we noted in the break-away, the "help others" penalty. If its a 5 level program and you place Sue under Paul and Sue really builds well, Sue's first level people will be your third level people, which means you'll only get paid on three levels of Sue's organization. That dramatically limits your income. If you're a super salesman or great marketer, you're really going to be better off in a breakaway doing this as you'll get paid on group volume, which can pay you 10, 15 or even 20 levels deep on purchases, whereas in the Unilevel you only get paid on five levels and that's it. Now, in a few new unilevels, there is the "Infinity Bonus" which pays you a certain percentage on product purchases over as many levels as you have active buyers, provided you meet the qualifications. Infinity Bonuses now provide the super salesman and great marketer the opportunity for the kinds of large commission checks that have been missing in unilevels and were only available in break-aways.

Matrixes

Matrixes were made to solve a problem commonly found in break-aways and unilevels. The one great problem in network marketing is that most people if they sponsor, they just sponsor one or two, if that. Yet, surveys constantly show that the majority of the people that join a networking opportunity do so to make money. Since you can't make money on one or two people, most people that join MLM programs also shortly quit MLM programs, or "drop out". Matrixes, unlike breakaways or unilevels, limit the number of people you can have on your first level, and since everyone has the same limitation, lets just say its five, you know that if everything works perfectly, you'll have 5 on your first level, 25 on your second level, 125 on your third, 625 on your fourth, and each level can at most grow in multiples of five. this of course, is a direct contrast to break-aways or unilevels where you can have as many people on your first level as you want.

This means that in a very real way, matrixes solve some of the problems of sponsoring. They force the strong sales types to help the non-sales types in building the business. Frankly, I think this is a good concept. After all, why shouldn't an upline help place people under someone in his organization that is also building for him? This can, often times, actually benefit the person doing the sponsoring because he or she may actually keep someone in their program active much longer because they now have a purchaser under them from whom they can derive income, and who also might start doing some building, from whence even more income could come. THIS IS THE MAGIC AND APPEAL OF MATRIX PROGRAMS. In theory, both upline and downline win!

Troubleshooting the Matrix?

Unfortunately: what is theorized, doesn't always end up working in the actual real world. Just like the other forms of marketing, matrixes have their problems, too. The sales types have generally felt that they get penalized too much in a matrix by ending up putting good builders on the third, or possibly even the fourth level, where they may have only one to three levels left from which to derive income. On the other hand, the non-sales types also tend to get disillusioned, as many do not get overflow or people placed under them from the upline, and the expectation is, that they will. While it's true that many more of these disillusioned people would get buyers placed under them if they did stay active another three to six months, most are too impatient and don't.

A number of creative things have been attempted to overcome this problem, like two wide matrixes. Two wide matrixes will obviously funnel people down very rapidly, and can initially raise retention rates as a result of that. However, IT TAKES LEADERS TO MAINTAIN AND DRIVE FORWARD A PROGRAM.

Leaders aren't afraid to sweat or work hard and climb over any obstacle, if the rewards are there. Leaders and the super sales types generally detest two or three wide matrixes and some even the four wide versions, because they may end up with one of their builders having to go down to the third or fourth level where they will get little benefit from them or the organization that this leader builds. Again, this scenario is more likely to happen in a two wide matrix, which is probably why you don't see any major companies or sales taking place in two wide matrix programs. The real leaders aren't usually found in these programs, (which by the way means if you're a non-sales type and join a two wide, expect to be disappointed because there probably aren't any great leaders there to give you overflow!) and without leaders, you don't have a program for long. There is, however, a strong matrix program that goes four wide that has been in business for over ten years, and another that goes five wide that has also been in business for over ten years, and both are experiencing solid sustained growth at the present time. These companies and their leaders use the matrix concept well and both companies have good management, strong and capable leaders, and broad and unique product lines with reasonable values. These things, you can begin to see, are necessary ingredients for long term success. I think both of these programs, despite what I would term outstanding success on their part, would be much further ahead if their management better understood two principles - the importance of paying more money up front, which would help increase their retention rate, and properly structured Infinity Bonuses, which could likewise increase retention rates and give builders more incentive to do more. Even the great ones always need a proper sized carrot to chase after.

Matrix programs, more than unilevels, have been guilty of ignoring the importance of Infinity Bonuses and yet they need them more than unilevels because they place more restrictions on their builders income earning potential. I personally would not want to give my heart and soul effort to a Unilevel or a matrix that did not have infinity bonuses. This brings us to the Binaries.

Binaries

I'll limit my discussion on binaries for two reasons. First, they don't even cover 10% of MLM companies and considerably less than that when it comes to MLM sales volume. Second, there are so many variations to binaries I can't properly address all of them in the scope of this intelligence report.

Binaries really are a hybrid of unilevels and matrixes, designed to give the best of both, which in theory again, seems like a great way to go. Just be aware that binaries also can rob you of income in a similar manner to the break-aways. Most binaries require that each leg ("bi" meaning two) grows equally in order for you to maximize your income. This seldom happens, which means that sponsoring and purchasing can be taking place in your organization, and yet, you won't get paid on it - just what happens in a break-away. Another way binaries rob you,and leave you stripped like a tree without leaves - out in the cold - is by requiring that you reach a given dollar volume like $1,000 in a leg before you get the next increment of bonus pay. Again, this can mean that sponsoring and purchasing are taking place in your organization that you're not getting paid on.

In most other respects, binaries accomplish the same things that unilevels and matrixes do, and since we've already addressed those functions in sufficient detail, there is no reason to further expound on that here.

At the very least, you should now have a basic idea of the benefits as well as the drawbacks of various types of compensation plans. What would I prefer, you ask?

Knowing what you know now, what would you prefer?

If you had to structure a compensation plan to satisfy the needs of sales types - your builders - and non-sales types, how would you structure it?

AN OPTIMAL COMPENSATION PLAN NEEDS TO ACCOMPLISH THE FOLLOWING:

1. Open the doors to as many participants as possible to become involved.
2. Retain the highest number or level of participants as possible.
3. Encourage the highest dollar amount of purchase involvement at the earliest point in time.
4. Facilitate the highest possible level of dollar investment in promotion of the program, creating strong desire to share the program with others.*

*Note: The company's mission and mission statement, if properly established, will go hand in hand with the compensation plan in creating a desire in it's participants to share the program with others - incentives that go beyond the limited attraction of money.

Of course, it makes perfect sense that you want to open your doors to as many participants as possible. The problem is, how do you assure that your compensation program does this? First, you have to eliminate every possible barrier that could keep someone from joining and this includes the reduction of  the up front costs to get involved. The best you can ever do is to have no cost to join. Now, here's where you can immediately see that with no barrier whatsoever to join from a cost standpoint, you still need some attractive benefits that will cause people to want to join.

You have to have products that will open your door to as many participants as possible and you need as many quality products as possible. Proper capitalization and proper management will give you that. If you only have five to ten products, this limits dramatically not only the number of people you can reach, but worse still, it limits the income that could be derived if you had dozens, or even hundreds of different kinds of products in your store, that gave good value and benefits. Again, product value is essential, because you can have hundreds or thousands of products, but if they're essentially the same as in retail stores, you may just as well forget it. In fact, it is better to have twenty to thirty really dynamic products of great value, than thousands that are average and of questionable value.

We said the second element is that the compensation plan will be structured to retain the people it attracts. It certainly doesn't do you a whole lot of good to attract customers if you can't keep them. It's not all that easy to get a new customer, so once you have him or her, you certainly want to keep them. How does a compensation plan help you do this?

First, if surveys constantly show that most people join MLM programs to make money, you've got to structure your compensation plan so that people can make a lot of money fast. If not, be prepared to lose them, it's as simple as that. Remember, most MLM companies budget to pay out 30 - 50%. I'll just say that I think to pay 1-2% in the first level is almost suicidal.

It's like making someone work for one-fifth the minimum wage. You're not going to keep a lot of workers, especially not if someone else has comparable products and work environment and at least offers minimum wage. With 1% first level pay, be prepared to have large numbers of people quitting your program. If 1-2% is one fifth minimum wage, this means minimum wage is around 5-10%. Who wants to work for 1% when someone will pay him five to ten times more. At minimum wage, you'll at least increase your retention rate of participants dramatically. Then again, how many builders and leaders want to work for minimum wage?

MORE THAN MINIMUM WAGE?

It's a valid question in more ways than one. I'd be careful of companies that do pay 5% or less in the first two levels. Why? Let's think about it. First, it's barely the minimum wage. People may start here, but they swiftly move to another company that will pay them more for the same work. Second, let's say the minimum required purchase is $50, and let's combine that with what people sponsor on the average, about two people. Let's say it takes three months to get the first person, and three more months to get the second. Let's also assume your first person, Sue, gets one. This means that in your sixth month, you'd get 5% on three $50 purchases or $7.50. Does this excite you?

Now you can understand why people drop out of MLM programs. The more money you pay out up front in the first and second levels, the higher your retention rate will be!

If you really want breakthrough success, look for companies that pay more than the minimum wage! They're hard to find, like that great paying job with a company paid car, full medical and dental benefits, super retirement plan, three months paid vacations, in a field that really interests you with a great boss, An MLM company that pays above minimum wage will bring you the kind of dream life that the above mentioned job would. So don't settle for 2nd best... you're much too important for that!

Let's do some role playing!

TIPS

1. You own an MLM company.

You can afford to pay out 30 - 50% and still be profitable - maybe even 60 - 65% to a few real super builders.

You want to retain your people. What do you do?

2. At any given time in an MLM program, most people that buy will just be developing their first and second levels. Would it hurt you to pay out 10% on these levels if you'd retain five times the people?

3. If you'd retain ten times the people by paying out 20% on the first level? Would it be worth it to you to pay out the money much faster if it drastically increased your retention rate? Remember, your retention of distributors having a high retention rate, is the key to the growth  of an organization!

4. Let's say you get paid 5% in the first two levels in Company A, and Company B pays you 10% in the first two levels. If both companies have the same products, the same prices and the same good service, and will both stay in business, we'd all sooner be in Company B that pays us the 10%.

5. Programs that don't facilitate people making the proper commitments will eventually short change you and you don't deserve that!

This brings us to an important element of a good compensation plan, one that will facilitate the highest level of dollar investment in promoting the program. For those that can and want to recruit, there needs to be proper incentives for them to invest money advertising and promoting the program. Would your incentives for them to invest money advertising and promoting the program be stronger, if someone paid you 1% on everyone you sponsor, or 50%? Look for the program that best rewards you for sponsoring, but also look for a program where everyone starts out equal. In other words, there are no "stair-step" type penalties. You don't have to do $2,000 in volume to get say, a 20% bonus. You don't have to sponsor ten people before you can earn 20% per person, rather than just 10%. Sponsoring is the absolute hardest thing for most people to do, so you don't want to penalize those that find it to be the most difficult task, by requiring that they do a lot of it before they can earn more initially. This is the surest way to lose most of them. Look for a program where everyone starts on equal ground.

THE OPTIMAL PLAN WOULD HAVE TO BE THE MOST CREATIVE PLAN ON THE PLANET BECAUSE IT'S GOING TO TAKE SOMETHING REALLY DIFFERENT TO SOLVE ALL THE PROBLEMS WE'VE IDENTIFIED... AND WHY SHOULD EITHER OF US WASTE OUR TIME, IF THESE PROBLEMS AREN'T SOLVED?

UNILEVEL/MATRIX:

5 wide and unbridled sponsorship ability.

20% AND UP:

20% and up front pay. Up front money provides the reward that people need to gain faith in the program and know it can work for them.

MINIMAL COST TO JOIN:

No more than 10- $20 to join. AND get a lower drop out rate.

INCENTIVES:

Be able to capitalize and provide broad product line incentives for your members and customers to do more than 20 to $40 a month.

POWER LEVELS

I want to get 10% in levels like 3, 4, 5 and 6 and maybe more. Earning the largest percentage in the largest level would be ideal!

INFINITY BONUSES

SURPRISE BONUSES

DOWNLINE BUILDING

MINIMUM 50% ON FIRST 3 LEVELS

PRICE LEADERS

Now, quite honestly these ten items seem to constitute a program so dynamic it will never come true - A DREAM PROGRAM - and maybe one like this never will. Just the same, I like to dream! But these are, quite honestly, the things that I'd look for and hope to find, if I were going to put my heart and soul into a program.

You know how to look for a firm with proper capitalization, management, products, and compensation plan. You've been alerted to some of the pitfalls. Will you ever find the perfect company? No, but if you've received this copy of the MLM Intelligence Report, it probably means that the person sending it believes he or she has a program that comes very close. It also means that they care about you enough that they either want to help you avoid the heartache you may experience in a program you are working, by knowing what some of the pitfalls are. Please don't hold that against them - their motives are good. If the program even comes close to the ten standards needed for a successful compensation plan, you can have success with it.

Finally, these dollar figures are relevant as we start the year 1996. While the fundamentals of this MLM Intelligence Report will hold true for decades to come, the dollar figures will change. Please feel free to adjust them for inflation. Finally, as some of the things I have taught here will not support existing MLM programs, or programs that will be created even after this is published, I humbly offer my sincere apologies to any that might be offended.

This report is intended to help you in the purpose of Primary Greatness. If you find a program that meets the ten items on the aforementioned "wish list" work it! You'll soon be on the road to success and happiness.

Colin White